Description

Headquartered in Tokyo, Sumitomo Mitsui Banking Corporation (SMBC) is a leading global financial institution and a core member of Sumitomo Mitsui Financial Group (SMBC Group). Built upon our rich Japanese heritage since 1876, we put our customers first and provide seamless access to, from and within the Asia Pacific region. SMBC is one of the largest Japanese banks by assets and maintain strong credit ratings across our global integrated network. We work closely as one SMBC Group to offer personal, corporate and investment banking services to meet the needs of our customers.

With sustainability embedded within our strategy and operations, we are committed to creating a society in which today's generation can enjoy economic prosperity and well-being, and pass it on to future generations.

Key Responsibilities

• Risk Oversight & Governance
  • Support implementation and ongoing enhancement of NFR frameworks across multi-franchise entities including RCSA, incident management, KRI, and control testing.
  • Monitor and escalate emerging risks, with a focus on market-specific vulnerabilities.
  • Ensure effective alignment with SMBC group policies, regulatory expectation and risk appetite.
• Collections & Conduct Risk
  • Evaluate the effectiveness of governance and control related to collection and recovery practices.
  • Identify, and mitigate reputational and conduct risk associated with collection strategies.
  • Promote fair customer outcomes and ensure compliance with local regulatory standard.
• Reporting and Insight
  • Contribute to regional NFR reporting for Group CRO and relevant governance committees.
  • Consolidate key lessons learned from operational incidents, audits, and thematic review to strengthen control environment.
  • Develop and maintain risk dashboards and performance metrics to monitor exposure and remediate progress.
• Regulatory Engagement Support
  • Track local regulatory developments relevant to NFR and provide timely insights to stakeholders.
  • Support MF entities in regulatory self-assessment, thematic review, inspections and audits.
• Cross-Functional Collaboration & Culture
  • Collaborate with cross functions such as compliance, and internal audit to address cross-cutting risk issues.
  • Drive awareness of risk culture and risk ownership across business units.
  • Share best practices and build capability across MFs risk teams.

Requirements

• 10 years of relevant experience in risk management or compliance, preferably in financial or consultant firm.
• Proven experience in operational resilience, enterprise risk management and broader Non-Financial Risk domains (e.g., fraud risk, cyber risk, conduct risk).
• Bachelor's or postgraduate degree level or equivalent qualification / work experience in risk, finance, business, accounting or economics is beneficial.
• Exposure to non-bank (NBFC/NBFI) and consumer finance in at least 2 of the target markets: India / Indonesia / Vietnam.
• Experience working with or overseeing debt collection practices is preferred.
• Prior regional or group role a plus, but strong local market leaders with upward mobility will be considered.
• Strong analytical skills and ability to synthesize risk themes.
• Confident communicator with ability to challenge and influence senior stakeholders.
• High cultural agility and awareness of emerging market dynamics.
• Comfortable working in matrix structures and across time zones.
• Professional certifications (e.g., FRM, CIA, CISA) are preferred but not mandatory.